Small business funding
when banks say no.
Get up to $500K in 24 hours. No impact on your credit score to check eligibility.
Quick form · soft credit check only
01 · By the numbers
Built on a track record,
not promises.
Seven years of funding operators that banks had already turned down.
Funded
$0M+
Capital deployed since 2018
Businesses
0+
Owners funded across 50 states
Approval
0%
When banks decline
Funding
0 Hrs
From accepted offer to deposit
02 · Pick your use
What do you need capital for?
Pick the closest match. We route you to the right financing option and skip the question on the application.
03 · Am I eligible?
If these four things are true, you probably qualify.
We underwrite the business in front of us right now, not a perfect credit history. If you clear the four lines below, the check takes minutes.
Soft credit check · no SSN required
Pre-qualified
No. 0001
- 6+ monthsTime in business
- Check
- $15K+Monthly revenue
- Check
- 500+Personal FICO
- Check
- Business accountRequired for deposit
- Check
Revenue over $15K/month is the strongest signal.
24h decision
04 · The new playbook
Old underwriting was built for banks.
We rebuilt it for you.
Old underwriting was built for banks. We rebuilt it for the operator who needs capital this week.
Traditional banks
The slow, paperwork-first way.
- 6–8 weeks of underwriting
- 650+ FICO required
- Tax returns, P&L, balance sheet
- Personal guarantee, collateral
- Often declined, no explanation
ICG Funding
Revenue-qualified. Decision in 24 hours.
- Decision in under 24 hours
- 500+ FICO accepted
- 4 months of bank statements
- No tax returns, no collateral paperwork
- A specialist explains every outcome
05 · The process
From application to your account in 24 hours.
No rotating call centers. No gated paperwork. Three steps between you and working capital.
- 01A few minutes
Apply online
Answer a few quick questions and upload 4 months of bank statements. That's it.
- No credit pull
- No tax returns
- No obligation
- 02Within 4 hours
Review your offer
A specialist reviews your file and calls the same day with transparent terms.
- Transparent rates
- Total cost upfront
- Direct specialist
- 03Within 24 hours
Get funded
Accept your offer and capital is wired directly into your business account.
- Same-day deposit
- Direct to your account
- Post-funding support
06 · Funding products
10+ products, one application.
Apply once and we route you to the product that fits your business. No second application.
Revenue-Based Funding
- Verified deposits, 12 months
- Up to $500K in 24 hours
Term Loans
- Fixed monthly payments
- No prepayment penalty
Lines of Credit
- Draw what you need
- Interest on drawn balance only
SBA Express Loans
- Government-backed rates
- Terms up to 25 years
Equipment Financing
- Equipment is the collateral
- 500+ FICO accepted
Revenue-based funding, term loans, lines of credit, SBA Express, equipment financing and more.
07 · Industries · 13 verticals
Built for the operators we fund every day.
From multi-location HVAC operators to growing distribution and manufacturing businesses. We underwrite to revenue, not category.
08 · Questions
The answers owners ask before applying.
Still unsure? Call (646) 813-4633 and talk to a specialist before you fill anything in.